FHFA limits, all 21 counties
Conforming Loan Limits in New Jersey for 2027, by County
FHFA hasn’t announced 2027 yet. Today a one-unit conforming loan can go up to $1,209,750 in 12 counties, including Bergen, and $832,750 in the other 9. Check which loan your price needs below.
By Jimmy Joseph, MBA, loan officer, NMLS #1577754, CMG Home Loans (NMLS #1820). Limits from FHFA’s county files, checked October 25, 2026. Equal Housing Opportunity.
Find out which loan your price needs
Tell Jimmy the county, the price range and your down payment. He’ll reach out to you directly.
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- 12 counties, 1 unit
- $1,209,750
- Bergen to Union
- 9 counties, 1 unit
- $832,750
- Atlantic to Warren
- 2027 limits
- Pending
- not posted as of October 25, 2026
- New limits start
- Jan. 1
- announced at the end of November
The short answer
The 2027 conforming loan limits are not out yet. FHFA’s Conforming Loan Limits page still showed 2026 values when we checked on October 25, 2026. Until 2027 is posted, these are the one-unit limits in New Jersey:
- $1,209,750: Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union.
- $832,750: Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem, Warren.
2027 limits: pending FHFA’s announcement
FHFA’s FAQ says it updates the limits at the end of each November and they take effect on January 1. The last three announcements: November 25, 2025 (for 2026), November 26, 2024 (for 2025) and November 28, 2023 (for 2024). We’ll add the 2027 figures to every table on this page when FHFA posts them.
Why this matters for a 2027 purchase
The limit for your county decides which loan your price needs, and that sets how much you put down and which rules your file follows. There are three outcomes:
- Standard conforming: the loan is at or under the $832,750 national baseline.
- High-balance conforming: the loan is over the baseline but at or under a high-cost county’s limit. Only the 12 high-cost counties have this band, from $832,750 to $1,209,750 for one unit.
- Jumbo: the loan is over the county limit. FHFA says Fannie Mae and Freddie Mac can’t buy these loans, so the lender’s own jumbo rules apply.
If you plan to buy in the winter or spring, the 2027 limit is usually the one that counts: Fannie Mae’s Loan Limits page says each year’s limits apply to loans it buys that year, even loans made before January 1. Your lender confirms which year applies to your loan. Run your numbers on today’s limits now; because limits don’t go down, the answer can only stay the same or improve when 2027 is announced.
Loan size checker
Conforming, high-balance or jumbo?
Enter the county, the price and your down payment. Uses FHFA’s 2026 limits until 2027 is announced. Loan size only: it shows no rates or payments and is not an approval.
Units in the building
Loan amount
$990,000
10% down
Bergen limit, 1 unit
$1,209,750
FHFA 2026; 2027 not announced yet
This loan would be
High-balance conforming
The loan is under Bergen's $1,209,750 limit but over the $832,750 national baseline, so it is a high-balance conforming loan. A down payment of at least $267,250 would make it a standard conforming loan.
Conforming loan limits for every New Jersey county
| County | 2025 | 2026 | 2027 |
|---|---|---|---|
| Atlantic | $806,500 | $832,750 | Pending |
| Bergen | $1,209,750 | $1,209,750 | Pending |
| Burlington | $806,500 | $832,750 | Pending |
| Camden | $806,500 | $832,750 | Pending |
| Cape May | $806,500 | $832,750 | Pending |
| Cumberland | $806,500 | $832,750 | Pending |
| Essex | $1,209,750 | $1,209,750 | Pending |
| Gloucester | $806,500 | $832,750 | Pending |
| Hudson | $1,209,750 | $1,209,750 | Pending |
| Hunterdon | $1,209,750 | $1,209,750 | Pending |
| Mercer | $806,500 | $832,750 | Pending |
| Middlesex | $1,209,750 | $1,209,750 | Pending |
| Monmouth | $1,209,750 | $1,209,750 | Pending |
| Morris | $1,209,750 | $1,209,750 | Pending |
| Ocean | $1,209,750 | $1,209,750 | Pending |
| Passaic | $1,209,750 | $1,209,750 | Pending |
| Salem | $806,500 | $832,750 | Pending |
| Somerset | $1,209,750 | $1,209,750 | Pending |
| Sussex | $1,209,750 | $1,209,750 | Pending |
| Union | $1,209,750 | $1,209,750 | Pending |
| Warren | $806,500 | $832,750 | Pending |
One-unit homes. Source: FHFA’s 2026 county file and 2025 county file, downloaded October 25, 2026. On a phone, swipe the table sideways if it is cut off.
Two- to four-unit limits
A two-family or four-family house has a higher limit. The 2026 figures for both New Jersey levels:
| Units | 12 high-cost counties | Other 9 counties |
|---|---|---|
| 1 unit | $1,209,750 | $832,750 |
| 2 units | $1,548,975 | $1,066,250 |
| 3 units | $1,872,225 | $1,288,800 |
| 4 units | $2,326,875 | $1,601,750 |
Source: FHFA’s 2026 county file. The unit count is the building’s, not how many units you will live in.
Why North Jersey’s limit didn’t rise in 2026
The national baseline went up $26,250 for 2026, from $806,500 to $832,750, so the 9 baseline counties rose with it. The 12 high-cost counties stayed at $1,209,750. FHFA’s FAQ explains how that happens:
- A high-cost limit is 115% of the area’s median home value, capped at 150% of the baseline ($1,249,125 for 2026).
- One median sets the whole area. FHFA uses the median of the highest-cost county in the metro area, and every county in it gets the same limit. All 12 high-cost New Jersey counties are in the New York-Newark-Jersey City area, from Sussex to Ocean.
- Limits don’t go down. When the formula would give a county a lower number, FHFA keeps last year’s limit (it calls this “hold harmless”).
So the area’s 2026 figure came out at or below $1,209,750, and the 2025 limit held. FHFA’s 2026 announcement says limits rose in all but 32 U.S. counties; North Jersey’s 12 were among the ones that didn’t. For 2027, the same rule means North Jersey can’t drop below $1,209,750.
Early “2027” limits from lenders
You may see lenders advertising a 2027 limit before FHFA sets one. National Mortgage Professional reported on October 9, 2026 that more than 50 lenders were offering one-unit loans at $845,000, $847,440 or $850,000, and that none of these is official: FHFA’s baseline is still $832,750.
What that means in New Jersey:
- It only matters in the 9 baseline counties (Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem, Warren). In the other 12, one-unit conforming loans already go up to $1,209,750, well above any of those figures.
- Each lender sets its own terms. The same report says eligibility can depend on the investor, the program and dates such as the application, lock or closing date, and that FHFA could set a lower limit than some lenders are using.
- Ask before you count on it. Whether an early limit is available on your loan is a question for your loan officer, case by case. This page doesn’t promise one.
A worked example: the same price in two counties
Take a $1,100,000 one-family home with $110,000 down, which leaves a $990,000 loan:
- In Bergen: $990,000 is over the $832,750 baseline but under Bergen’s $1,209,750 limit, so it is a high-balance conforming loan. With $267,250 down, the loan would be $832,750, a standard conforming loan.
- In Mercer: $990,000 is over Mercer’s $832,750 limit, so it is a jumbo. It would take $267,250 down to bring the loan to the limit.
This is loan-size math only. What you can borrow also depends on income, debts, credit and the appraisal, which is what a pre-approval looks at.
How to check a limit yourself
- Open FHFA’s Conforming Loan Limits page and download the current year’s file for all counties.
- Find your county under the state code NJ.
- Read the column for the number of units in the building.
Fannie Mae’s Loan Limits page tells lenders to use the county look-up table or FHFA’s page for county values, the same figures shown here.
Not sure which side of the limit you’re on?
Tell Jimmy the county, the price range and your down payment. He’ll tell you whether the loan would be conforming, high-balance or jumbo, and what to gather to get pre-approved. Eligibility and approval follow program rules and the lender’s review; any credit check is explained before you authorize it.
Or read about conventional loans in New Jersey and get pre-approved from there.
Frequently asked questions
What is the conforming loan limit in New Jersey for 2027?
FHFA had not announced it as of October 25, 2026. Until it does, the 2026 limits apply: $1,209,750 for a one-unit home in Bergen, Essex, Hudson, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex, Union, and $832,750 in Atlantic, Burlington, Camden, Cape May, Cumberland, Gloucester, Mercer, Salem, Warren. FHFA announced the last three years' limits on November 25, 2025, November 26, 2024 and November 28, 2023, and new limits take effect on January 1.
What is the conforming loan limit in Bergen County?
$1,209,750 for a one-unit home in 2026, $1,548,975 for two units, $1,872,225 for three and $2,326,875 for four. Bergen shares these limits with the other 11 New Jersey counties in the New York-Newark-Jersey City area, and the figures were the same in 2025.
What is considered a jumbo mortgage in NJ?
A loan above the conforming limit for the home's county and unit count. For a one-unit home in 2026 that means more than $1,209,750 in the 12 high-cost counties and more than $832,750 in the other 9. Fannie Mae and Freddie Mac cannot buy loans above the limit.
What is the conventional conforming loan limit for 2026?
The national baseline is $832,750 for a one-unit home, up $26,250 from 2025, and the high-cost ceiling is $1,249,125, which is 150% of the baseline. In New Jersey no county reaches the ceiling: the highest limit is $1,209,750.
What is a high-balance conforming loan?
A loan above the $832,750 national baseline but at or under a high-cost county's limit. In Bergen, Essex, Morris and the other high-cost counties, a one-unit loan between $832,750 and $1,209,750 is high-balance. It is still conforming, so Fannie Mae or Freddie Mac can buy it, but Fannie Mae applies its own high-balance rules to these loans.
When will FHFA announce the 2027 conforming loan limits?
FHFA has not given a date. Its FAQ says it updates the limits at the end of each November and they take effect on January 1. The last three announcements came on November 25, 2025, November 26, 2024 and November 28, 2023.
Can New Jersey's conforming loan limits go down in 2027?
No. FHFA's FAQ says the conforming loan limit does not decrease, and that county limits are held where they are when local home values fall. So 2027's limits will be at least $1,209,750 in the 12 high-cost counties and $832,750 in the other 9.
Is a conforming loan the same as a 30-year mortgage?
No. Conforming describes the loan's size: it is at or under the limit, so Fannie Mae or Freddie Mac can buy it. Thirty years is the repayment term. A conforming loan can have a 30-year term or a shorter one.
Does the conforming limit cap the price of the home?
No. It caps the loan amount, not the price. A home can cost more than the limit and still have a conforming loan if the down payment covers the difference.
Related guides
- Conventional Loans in New Jersey→How conforming conventional loans work: down payment, credit, mortgage insurance and how to apply.
- FHA Loan Limits by New Jersey County, 2026→HUD's FHA limits for all 21 counties, one to four units, next to the conforming limits.
- How Pre-Approval Works→What a lender checks before you make an offer, and what to have ready.
- NJ Attorney Review Period→The three business days after you sign, and what your lender needs meanwhile.
Sources
- Federal Housing Finance Agency, Conforming Loan Limits page (checked October 25, 2026; no 2027 values posted)
- FHFA, conforming loan limits for calendar year 2026, all counties (CSV)
- FHFA, conforming loan limits for calendar year 2025, all counties (CSV)
- FHFA, news release on the 2026 conforming loan limit values (November 25, 2025)
- FHFA, Conforming Loan Limit Values FAQs (updated November 2025)
- Fannie Mae, Loan Limits: 2026 baseline, ceiling and high-balance notes
- National Mortgage Professional, "Three Competing 2027 Conforming Loan Limits, And None Is Official" (October 9, 2026)
Equal Housing Opportunity. Jimmy Joseph, MBA is a loan officer, NMLS #1577754, with CMG Mortgage, Inc., dba CMG Home Loans, NMLS #1820. Conforming loan limits are set by the Federal Housing Finance Agency and change each year; confirm the limit that applies to your loan when you apply. This page is information, not a commitment to lend, and does not quote rates.